DNET: An Interface Architecture for Settlement‑Exchange‑Record Coupling in Digital Payments

This paper introduces DNET (Dual Network Exchange Technology), an interface architecture that unifies Settlement, Exchange, and Record generation into a single transaction structure for digital payments. Modern payment systems often treat exchange and settlement as separate backend processes, leading to fragmented identifiers, inconsistent idempotency behavior, and operational divergence across implementations. DNET resolves these issues by binding Payment Intent, Exchange Decision, and Settlement Outcome under a single TxID, enabling atomic SER‑coupling across Web2 and Web3 environments. The architecture provides a protocol‑level foundation for multi‑asset payments, ensuring traceability, auditability, and interoperability while reducing operational complexity. This work positions DNET as an OS‑layer interface for value transfer, offering a structural standard for future financial infrastructure.